Earth Moving Finance

Strong foundations start with smart funding

If you run a trade, civil, excavation or plant hire business, you already know the right machine helps you complete work safely, efficiently and profitably. We guide you through finance options that suit your business goals so you can choose with confidence and feel good about your investment.

How Earthmoving Equipment Finance Works

We take the time to understand your business, your goals, and the equipment you need. From there, we find a finance solution that fits your plans, manage the paperwork, and work with the lenders. Our approach is practical and tailored, giving you the information you need to make confident decisions.

Here’s how the process typically works:

1. Chat with us
   Tell us the equipment you’re eyeing, how you’ll use it, and when you’d like it on site.
2. We crunch the options
   We check lenders, approvals and cashflow impact.
3. Clear choices, no confusion
   We show simple comparisons with repayments and key pros, so you can see what works best.
4. You decide
   Take your time. Once you’re happy, we handle the paperwork and deal with the lender.
5. Ready for action
   Funding is finalised and the equipment is ready to go.
6. We’ve got your back
   Later upgrades, refinancing or adding more machinery? We stay in your corner.
   

What Can Be Funded?

We help fund machinery across Australia’s construction and earthmoving industries, for both new and used equipment, from dealers or private sellers. Common funding items include:

• Excavators and mini excavators
  Perfect for civil construction, landscaping, drainage, and trenching projects.
• Dozers and graders
  Ideal for roadworks, large-scale earthworks, and site leveling.
• Skid steers and loaders
  Great for landscaping, small construction sites, and material handling.
• Rollers and compactors
  Suited for road construction, paving, and compacting soil or asphalt.
• Backhoes and trenchers
  Best for utilities, plumbing, excavation, and small to medium civil projects.
• Attachments such as buckets, augers, rippers and hammers
  Enhance versatility for demolition, digging, drilling, and landscaping jobs.

If your business relies on specialised equipment to operate or grow, chances are we can help you fund it.

Why Business Owners choose Atlas Broker

Your business runs on the right machinery. Whether it’s excavators, loaders, dozers, cranes, or attachments, you need equipment that earns its keep.

Partnering with Atlas Broker means one dedicated broker who understands earthmoving and construction businesses, backed by a support team that guides you through the process from quote to settlement and beyond.

Here’s why business owners love working with us:

• We explain equipment finance clearly, so you know exactly what you’re signing up for
• Solutions tailored to your cashflow, growth plans, and industry realities
• One broker with a full operations team taking care of the paperwork and details
• Industry-aware insights for earthmoving, construction, and civil projects so our advice fits your business.
• Ongoing support for upgrades, refinancing, or adding more machinery and attachments as your business grows.
  

With Atlas Broker, earthmoving equipment finance is simple, practical, and designed to help your business grow without headaches.

Loan Structures and Options

We offer a range of earthmoving equipment finance options, including;

Chattel mortgage
Ownership from the start with potential depreciation benefits. Suits long-term equipment users.

Hire purchase
Predictable payments with ownership at the end. Simple and familiar.

Finance lease
Use equipment without immediate ownership. Good for regular upgrade cycles.

Lease with residual
Lower ongoing repayments with a final balance. Works if you plan ahead and review regularly.

Commercial loan / secured business loan
Useful when purchasing multiple items or combining with broader business funding.

Short-term rental
Not formal finance, but worth considering for seasonal or trial usage.

We explain what each option means in practice so you can choose with confidence, not guesswork.

Earthmoving Repayment Calculator

Use our simple calculator below to estimate your repayments. It’s quick, accurate, and completely obligation-free.

Enter your desired loan amount, interest rate, and term to calculate your earthmoving equipment finance. For a tailored equipment loan quote in Australia, contact our expert brokers directly.

Earthmoving Finance Frequently Asked Questions

We’ve answered some of the most common questions about earthmoving equipment finance below: